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Jacky202

Barclaycard/Mercers token payment

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Hi,

 

I have a Barclays credit card and I wrote to them recently saying that because of my current financial difficulties I'm unable to pay their monthly minimum repayments and would they please accept a token £1/month payment. I sent them a copy of my personal budget sheet too.

 

I had a reply back saying: 'Sorry to hear of your change in circumstances. Unfortunately we are not prepared to accept your offer of £1/month because it is too low. Please call to discuss a mutally agreed reduced monthly repayment.' They also said that interest and fees (despite my request in my letter) will still be added to my account until a repayment agreement has been reached. Plus they said that if I don't call an agent will come to my house.

 

Well, I didn't call and actually I still need to reply to them (by post only, recorded!). They sent a card to say a Mercers agent would be coming on a particular date but we didn't see anyone - but then the doorbell was off!

 

I need to contact them and say again, please accept the £1/mth payment, because it's all I can afford. I have had to do this with another bank too, but they won't accept either. So, any special advice for trying to get them to accept? I'm also trying with a number of creditors and not having any joy.

 

Also is it legally acceptable that they moved my account to Mercers? Just want to check the details here.

 

And last question, do I still send my £1 token payment to Barclays, or should it go to Mercers somehow?

 

Many thanks for any advice x

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I got the same letter when I was unemployed.

 

Read this link and this should give you an idea of what to expect.

 

http://www.consumeractiongroup.co.uk/forum/barclaycard/210467-barclaycard-ex-morgan-stanley.html

 

I have gone down the route of an unenforceable agreement as the card was taken out in 2004, but that is not for everyone. There is some good people on this forum willing to give advice. Also you could speak to a debt charity who can help.

 

When was your card taken out?

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Hi,

 

I have a Barclays credit card and I wrote to them recently saying that because of my current financial difficulties I'm unable to pay their monthly minimum repayments and would they please accept a token £1/month payment. I sent them a copy of my personal budget sheet too.

 

I had a reply back saying: 'Sorry to hear of your change in circumstances. Unfortunately we are not prepared to accept your offer of £1/month because it is too low. Please call to discuss a mutally agreed reduced monthly repayment.' They also said that interest and fees (despite my request in my letter) will still be added to my account until a repayment agreement has been reached. Plus they said that if I don't call an agent will come to my house.

 

Well, I didn't call and actually I still need to reply to them (by post only, recorded!). They sent a card to say a Mercers agent would be coming on a particular date but we didn't see anyone - but then the doorbell was off!

 

I need to contact them and say again, please accept the £1/mth payment, because it's all I can afford. I have had to do this with another bank too, but they won't accept either. So, any special advice for trying to get them to accept? I'm also trying with a number of creditors and not having any joy.

 

Also is it legally acceptable that they moved my account to Mercers? Just want to check the details here.

 

And last question, do I still send my £1 token payment to Barclays, or should it go to Mercers somehow?

 

Many thanks for any advice x

 

Jacc........Mercers is owned by Barclays Bank and they will not come Knocking

 

start reading some of the barclaycard threads from the begining and it will show you how they operate

 

 

Chin up ..... Get Cagging


Beck

"There are two ways to conquer and enslave a nation. one is by the Sword. The other is by Debt."

 

Barclaycard PPI Refund £4300:whoo:

Barclaycard = Mexican Stand Off

 

TSB = Mexican Stand Off

 

Santander = :mad2: MungyPup is coming to get yahh :mad2:

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Hi Jacky,

 

Personal visits are threatened often but rarely used. Power2Contact are the outfit that normally attend and they tend to be reasonable.

 

However, they have no rights whatsoever so follow this advice - http://www.consumerforums.com/resources/templates-library/86-debt-collectors/591-dca-home-visit-if-you-receive-or-are-threatened-with-a-doorstep-visit-

 

You may find BC listen better to your requestabout token payments if you do this through CCCS or the CAB.


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